will the other insurance company pay for the damage?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 12, 2012

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Insurance Question from APO, AE

Asked on 08/12/2012

will the other insurance company pay for the damage? A car backed into my car in a parking lot. I was parked and still in the car. The accident caused a dent in my driver's side bumper. I already had a previous dent on the passenger side from bumping into a short wall. I had not reported my accident to my insurance company because I went on vacation for 3 weeks. If the only way to fix my bumper is to replace the whole thing, does it matter that I had already dented it on the other side?

Answer given on August 12, 2012

If you were struck by another driver and had existing damage to the same area of the car, you need to be honest with the other insurance company and advise them of the pre existing damage. It may not have an effect on the settlement of the claim,, but the fact that the bumper had already been struck could cause the bumper to need to be replaced instead of repaired.The adjuster for the other insurance company should be able to determine that the bumper was already damaged, since the existing damage was on the other side of the car. You can wait to tell them of the damage to see if they ask. If you have to take the car to a repair facility to get an estimate that place should be able to determine that the bumper was already damaged. If not, you should be forthright with the information and let them determine if it affects the claim.


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